Is OpenSky® Secured Visa® Credit Card worth it?
OpenSky® Secured Visa® Credit Card can be a fit for people comparing secured cards from OpenSky. The main things to weigh are the $35 annual fee, the rewards structure, and whether the benefits match your spending habits.
Rewards breakdown
Wafacard summary: this credit-building card shows cash-back earning from 10% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.
Intro offer: Check the issuer page for any current introductory offer and eligibility rules.
Card details
Wafacard note: benefit details vary by issuer terms, card network, approval profile, and enrollment requirements.
- Network
- Visa
- Review status
- Terms reviewed 6/30/2026
Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $35
- Purchase APR
- APR range: 23.89%
- Balance transfer APR
- Check issuer terms
- Cash advance APR
- APR range: 23.89%
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Up to $41
- Grace period
- 25 days
- Recommended credit
- Limited/Building Credit
- Terms last updated
- 6/22/2026
Key benefits
- Issuer terms and applicant profile determine available benefits